High Yield Checking
Benefits:
Earn More
Gain Rewards
A Visa Rewards Debit Card earns one point for every $4 spent on signature-based transactions with Loyalty Rewards.
Dodge Fees
Waive the $5 monthly service fee and earn dividends by meeting each of the following:
Requirements are waived for teens and young adults ages 14 to 23 years old.
Features:
- Set up direct deposit and get your paycheck up to two days early.*
Learn More
*With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.
- ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 FCU account.
Learn More
- Enjoy easy access to our 20,000+ fee-free ATM network.
Learn More
- Access your accounts anytime, anywhere with our Digital Banking app.
Learn More
1. The Annual Percentage Yields (APYs) for High Yield Checking, effective 04/01/2024, are: 4.00% for balances of $0 to $15,000.00; 0.05% for balances of $15,000.01 and over or if High Yield requirements are not met. Requirements to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Rates subject to change. Fees may reduce earnings on account. Federally insured by NCUA.
2. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.
3. The Annual Percentage Yields (APYs) for High Yield Checking, effective 04/01/2024, are: 4.00% APY for balances of $0 to $15,000.00; 0.05% APY for balances of $15,000.01 and over or if High Yield requirements are not met. Requirements to earn High Yield dividends: 15 debit and/or credit card monthly combined posted and cleared transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. High Yield Checking required for High Yield Money Market. Minimum average daily balance of $25,000 required to earn dividends for High Yield Money Market. The Annual Percentage Yield (APY) for High Yield Money Market is 4.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.
